Commercial Buy To Let Mortgage

Commercial Property with commercial tenants. From shops to multi-tenanted office blocks.

Bristol, England

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Commercial Buy to Let Mortgages.

Fox Davidson are a commercial buy to let mortgage Broker. We have spent 15 years developing relationships with commercial buy to let mortgage lenders to enable us to bring our clients market leading terms.

What are the terms for a Commercial Buy to Let Mortgage?

  • The lending terms are primarily based upon the rental income that the property will achieve.
  • Unlike a residential buy to let mortgage, a commercial buy to mortgage lender will need a tenant to already occupy the property or for there to be a tenant signed up ready to go in.
  • The lending decision depends on the borrower including their net asset position and their experience of owning and letting property. The decision also looks very closely at the business that will occupy the property and the tenancy agreement that is in place including the length of the lease and any break clauses.

High street commercial Buy to Let mortgage lenders will typically wish to see a strong tenant on a lease of typically 10 years or more. Where a tenant is on a shorter lease of 3 or 5 years then we will need to build a strong business case for the high-street bank to lend.

Where a high street commercial buy to let mortgage lender will not lend or where lending is required on an interest only basis we may utilise one of the challenger banks.

Commercial Buy to Let Mortgage Portfolio Finance.

Fox Davidson secure commercial buy to let mortgages  secured across a commercial property portfolio. We can secure very good terms spread across the entire commercial property portfolio which may allow us to reduce the overall loan to value and secure more competitive terms.

Lending on a commercial investment property may be in the name of an individual, a Ltd company or a Pension. Commercial Buy to Let Mortgage Lending is also possible to offshore companies and pensions such as QROPS and SIPPS.

Some of the typical property types we secure Commercial Buy to Let Mortgages on include:

  • Commercial units with a residential flat above
  • Industrial units, factories and warehouses
  • Offices
  • Retail
  • Licensed Houses in Multiple Occupation (HMO’s)

To discuss your requirements with a commercial buy to let mortgage broker please do call or email us. We have offices in Bristol, Bath & London at which we can meet clients face to face. We can also deal remotely by phone and email.


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